# POSTAL FAMILY
FARGO, ND · NCUA charter 951 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/postal-family-951

Who the members are: federal charter, government (single sponsor), organized 1936. 2,249 members of 20,500 potential (11.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $29.7M |
| Members | 2,249 (-2.1% YoY) |
| Full-time staff | 0 |
| Net worth | $3.1M |
| Net worth ratio | 10.4% (p19 of band) |
| ROA (annualized) | 0.21% (p33 of band) |
| Total delinquency | 0.11% (p26 of band) |
| Net charge-offs (annualized) | 0.91% (p84 of band) |
| Loans / shares | 33% (p16 of band) |
| Cash / assets | 68.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p27 of band) |
| Operating expense / assets | 3.57% (p48 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.12% (p37 of band) |
| Vehicle NCO | 1.32% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 18% |
| Average share balance | $6,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $9,517 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 4 | losing money, delinquency 2x band, delinquency rising |  |
| 2018-09 | 3 | auto monoline | net worth falling, losing money |
| 2018-12 | 4 | assets shrinking |  |
| 2019-03 | 4 | losing money | assets shrinking |
| 2019-06 | 4 | assets shrinking | delinquency rising |
| 2019-09 | 3 |  | assets shrinking |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 7 | thin capital, charge-offs p90, loan book shrinking | delinquency 2x band |
| 2021-03 | 5 |  | charge-offs p90, loan book shrinking |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | losing money, margin squeeze |
| 2022-03 | 4 | losing money, assets shrinking |  |
| 2022-06 | 4 | net worth falling | assets shrinking |
| 2022-09 | 4 | delinquency rising | net worth falling |
| 2022-12 | 3 |  | losing money |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 3 | delinquency rising | thin capital |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | delinquency rising, net worth falling |
| 2025-12 | 2 | loan book shrinking |  |
| 2026-03 | 3 | margin squeeze |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2023-01-27 [Edmond Mayer - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBaMzBDV0g2akV1MXlqdWwwX19XNlNWbHNDUU1GVFRzd2NjUDVnWU00NjdqWGVZdXhsZDRReTNCTGdwQXNuZ0ZyVjcyVlJqbGJaazRtTE9jdWNieUNRclBn?oc=5) · Boulger Funeral Home
- 2016-07-06 [Cincinnati credit unions hammered by fed, state rules - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOd1Rvclh6emhaTEtHSGlyT3Q5WGtUN0lkZ2V6TGV4SUdTZEZJR2s3OFBMWFREYUMxMTUtVkFCOEYyME5TSmtsRnV6R09uZDIyRnlkZ243UVJWVElaZHA0Q3pYWlpJdDN5STBJZTZVazRFaWpaSGJ5ZmxqM0hvNDl2a0VtTHd6aV9mQThxMFpFQzlSb1ozcm9uSzJrbnhCZU11M3J5b0VCZ3o?oc=5) · The Business Journals
- 2018-08-03 [Sketch of possible robbery/kidnapping suspect released​ - WLWT](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNVl0MFBVcmcxNkdwaFdtWnpmeUVYMzNRY3QtSUxKcHlETl8yUnc4aHRZYldyWkFzaVkwRHNzZjEtQS14aXIzYk80d2owajdndm1Ddk5RR0phMTBKdV8zNEFhSXFmWjFua1VOcVlDdTFNM05vVnI2RVI1elFaZ1JLb0JCT2JWZXg4R3lySk5MRW5FU0ZU?oc=5) · WLWT
- 2026-07-10 [Gayla Keller Dalton Obituary Jul 10, 2026 - Russon Mortuary & Crematory - Russon Brothers](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9McFZ6NE5ZdVZULVpRWGVoN1lqWkFidzZLUTZyZ0lFNkJTR3R4S0V2QWlua2hnNHVpN3NhckpqNVRuU2xiSEdNQnBKZHN2MnZfRjhQOGpRcl9XY01WNzlkNHFHLWQ?oc=5) · Russon Brothers
- 2024-03-21 [Bicyclist – a mother of 2 and a postal carrier – killed in hit-and-run in Oceanside - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMixwFBVV95cUxPU2RXYW1fTEdUd1JldFEyY3lDSTlXampvTlV5amRMSkVXSEh3bnl5ZHdEeUxRWVdCRDJDT2cxR05mTXMyRVN3b0lVZXZqYUxlNXduSTZjRzBPYmQ1a1Z2WE1RZkNGWHJFRzhlT2tseHBFVVpZQUNMMnI3RFZpZk1oc0ljeE5xekJNR21vUFJ2T2c0OWEyVVl2Q3llaGt6RGx0ajF0TFJuM0lidWtJWFFZZkYtQ3lKN0s2LU9laXhQcnUzbVV6WGw0?oc=5) · San Diego Union-Tribune
- 2024-06-28 [William J. Nolan Jr. Obituary (2024) - Cheviot, OH - Vitt, Stermer & Anderson Funeral & Cremation Services - Delhi - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWmRJOTNZNVR4em5LOUdJNXhSckpvUWNYX1lLRDctTlFPbEF4bnFjV1Zia05ZMVh0NUFsLWs4OGlzVVZuYy1saHdkY1U4a0NIOVZXMXVaUnc3VHc1c2JZVWE3b21kRy1WbVJ0QTVSdXo0eVRsbG9pcy1BYWhabF9sTjN3?oc=5) · legacy.com
- 2004-12-11 [Dustin Forgie Obituary (2004) - Salt Lake City, UT - Deseret News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRzJaTF9IZE1qcjFlaXpmQ3R0dWdwd0FGX2JQLUZ6azdEcHdveURFTENqaWc5X0xoamE1TDFPVUZoZHRkOXl0NEE0VFd2dUh1Q1VHVVJfMjFEZU1vNHliX0xwNjB1YkZzX2NkdE5rUlp6T3VLelNrOVd4ZkNVa1FBRy1TbnhXV05UWXZOZllkdHpxZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=951 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "951", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=951
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide